Having separate input screens will really help in the long run if you want to constantly add new components.

The MLO license requires 20 hours of NMLS approved pre-licensing education and you must pass the NMLS National Component Exam as well as the California NMLS Exam (still required as of Nov 2013).

That part if true and you unload hundreds of K of debt is a positive BUT is just a small component of your overall score.It sounds like you are having trouble getting a loan with your high DTI ratio with your current house.

Notice too, they have a directory of lawyers and accountants to the left on the page.Since you are really selling a business with a real estate component, you might also check some hotel trade groups for a recommendation.

DSTs have many structural components that need to be well understood prior to investing.

A zero coupon DST which will absorb any debt you had on the 4 plex and only require around 15% cash component.

The asset can't have a heavy value-add component and can't be opportunistic.

Or does it really depend on the specific age of the unit's components (water heater, appliances..), which would require me to do further research anyway?

What are the key components/players that make up your "Dream Team?"

Is there a loan to cost component to the qualifications to insure "skin in the game"?